Butch, I noticed that you were signed on and hoped that you might have some insight as to why a CA I am in debt validation with won't send back the credit disclosure form. This is the third response and no return of the form. They are sending what they say is DV but the WILL NOT send back the disclosure form. I'm SURE that means there's a reason...but what? What do I do from here. Ontrack seems to think their consent to treat form is validation. They won't send a full account statement either. Driving me INSANE. HELP!
Because they aren't required to. If you're talking about that form that you see on a lot of the form letters, it's information that they don't need to provide. In fact, some of it is proprietary information. They are required to prove that the debt is yours and that the amount is proper. That is validation, and that is what they are required to give. That's why most of us advise you to keep validation letters short and simple. They need to assume that you are the least sophisticated consumer, but when you send letters with a lot of legalese, you're jepordizing your ability to say you're the least sophisticated consumer.
